This Tutorial was Written using PSP 7, but you can probably use any version.
I used the Font (1 Bean Sprout DNA) but you can use any font of your choice.
Download Supplies - Happy Holidays Zip
Open the XmasLightsFrame tube.
Click on Layer 2, Right Click - Add New Raster Layer.
Click on Layer Three, and Add your text in the Color Black to fit inside the lights.
Layers Merge Visible
Edit copy
Paste into Animation Shop
Insert Image Effect - with the following selections.
Select OK
File Save As.....